Testamento

Testamento operates as a legal-tech and insurtech firm in France, specializing in online succession planning services. The company was founded in September 2013 by brothers Virgile and Sylvain Delporte. The idea originated from Virgile's personal experience when, before a trip to the Amazon, he drafted a will that he later discovered had no legal value. This realization prompted him to create a platform to simplify the process of creating a legally sound will. Virgile, a serial entrepreneur, serves as CEO, while his brother Sylvain, a computer engineer specializing in IT security, is the CTO.

The firm initially targeted the general public (B2C) with a platform developed in collaboration with notaries and lawyers specializing in family law. Its core service allows users to answer a series of questions to generate a holographic will, which they then must copy by hand, date, and sign. The platform offers additional services such as registering the will with the central database for last wills and testaments (FCDDV) through a partner notary, ensuring its discovery upon the client's passing. Other services include tools for creating an inventory of material and digital assets, and for expressing one's wishes regarding end-of-life care and organ donation.

In 2016, Testamento expanded its operations to a business-to-business (B2B) model, forming partnerships with major banks, insurance companies, and mutual insurance providers like Generali, MACIF, Allianz, and Malakoff Humanis. For these partners, Testamento provides white-label SaaS solutions and APIs that integrate into their savings and provident products. These B2B offerings include tools like a simplified inheritance assessment for financial advisors and a system for managing life insurance beneficiary clauses. This dual B2C and B2B approach constitutes the company's revenue model, generating income from both direct consumer sales and corporate partnerships. The company has secured significant funding, including a €342,000 round in 2015 and a €3 million round in February 2019 from investors including Allianz France and Malakoff Médéric Humanis.

Keywords: legal tech, insurtech, online will, succession planning, estate planning, digital inheritance, holographic will, FCDDV registration, beneficiary clause management, inheritance assessment, B2B legal services, financial advisory tools, asset inventory, end-of-life directives, French legal services, Virgile Delporte, Sylvain Delporte, online legal documents, inheritance law, estate management